AMP vs. CRCL: A Head-to-Head Stock Comparison

Updated on August 27, 2025

Here’s a clear look at AMP and CRCL, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

Symbol	AMP	CRCL
Company Name	Ameriprise Financial, Inc.	Circle Internet Group
Country	United States	United States
GICS Sector	Financials	Information Technology
GICS Industry	Capital Markets	Software
Market Capitalization	48.22 billion USD	33.90 billion USD
Exchange	NYSE	NYSE
Listing Date	September 15, 2005	June 5, 2025
Security Type	Common Stock	Common Stock

Historical Performance

This chart compares the performance of AMP and CRCL by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.

AMP vs. CRCL: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

Symbol	AMP	CRCL
5-Day Price Return	1.03%	-7.39%
13-Week Price Return	0.65%	--
26-Week Price Return	-6.91%	--
52-Week Price Return	17.94%	--
Month-to-Date Return	-1.29%	-31.76%
Year-to-Date Return	-3.93%	50.47%
10-Day Avg. Volume	0.41M	14.96M
3-Month Avg. Volume	0.45M	26.15M
3-Month Volatility	21.01%	--
Beta	1.30	-5.55

Profitability

Return on Equity (TTM)

AMP

57.46%

Capital Markets Industry

Max: 38.97%
Q3: 21.61%
Median: 13.77%
Q1: 8.31%
Min: -4.25%

AMP’s Return on Equity of 57.46% is exceptionally high, placing it well beyond the typical range for the Capital Markets industry. This demonstrates a superior ability to generate profit from shareholder investments, though it could also be inflated by high financial leverage.

CRCL

Software Industry

Max: 59.01%
Q3: 21.98%
Median: 7.15%
Q1: -11.12%
Min: -51.24%

Return on Equity data for CRCL is currently unavailable.

AMP vs. CRCL: A comparison of their Return on Equity (TTM) against their respective Capital Markets and Software industry benchmarks.

Net Profit Margin (TTM)

AMP

17.74%

Capital Markets Industry

Max: 66.67%
Q3: 35.11%
Median: 23.49%
Q1: 13.63%
Min: -15.18%

AMP’s Net Profit Margin of 17.74% is aligned with the median group of its peers in the Capital Markets industry. This indicates its ability to convert revenue into profit is typical for the sector.

CRCL

-8.98%

Software Industry

Max: 48.14%
Q3: 18.23%
Median: 5.60%
Q1: -9.22%
Min: -49.36%

CRCL has a negative Net Profit Margin of -8.98%, indicating the company is operating at a net loss as its expenses exceeded its revenues.

AMP vs. CRCL: A comparison of their Net Profit Margin (TTM) against their respective Capital Markets and Software industry benchmarks.

Operating Profit Margin (TTM)

AMP

29.61%

Capital Markets Industry

Max: 86.40%
Q3: 46.46%
Median: 32.80%
Q1: 18.32%
Min: -21.87%

AMP’s Operating Profit Margin of 29.61% is around the midpoint for the Capital Markets industry, indicating that its efficiency in managing core business operations is typical for the sector.

CRCL

-2.10%

Software Industry

Max: 57.34%
Q3: 20.60%
Median: 7.84%
Q1: -8.72%
Min: -51.37%

CRCL has a negative Operating Profit Margin of -2.10%. This signifies the company is unprofitable at the operational level, as its core business expenses exceed its revenue.

AMP vs. CRCL: A comparison of their Operating Profit Margin (TTM) against their respective Capital Markets and Software industry benchmarks.

Profitability at a Glance

Symbol	AMP	CRCL
Return on Equity (TTM)	57.46%	--
Return on Assets (TTM)	1.76%	--
Net Profit Margin (TTM)	17.74%	-8.98%
Operating Profit Margin (TTM)	29.61%	-2.10%
Gross Profit Margin (TTM)	51.86%	--

Financial Strength

Current Ratio (MRQ)

AMP

0.62

Capital Markets Industry

Max: 3.76
Q3: 1.89
Median: 1.01
Q1: 0.54
Min: -0.41

For the Capital Markets industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

CRCL

1.03

Software Industry

Max: 3.83
Q3: 2.31
Median: 1.45
Q1: 1.03
Min: 0.24

CRCL’s Current Ratio of 1.03 falls into the lower quartile for the Software industry. This indicates a tighter liquidity situation and a more constrained capacity to handle short-term debt than many of its competitors.

AMP vs. CRCL: A comparison of their Current Ratio (MRQ) against their respective Capital Markets and Software industry benchmarks.

Debt-to-Equity Ratio (MRQ)

AMP

6.67

Capital Markets Industry

Max: 6.62
Q3: 2.84
Median: 1.02
Q1: 0.32
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Capital Markets industry.

CRCL

0.09

Software Industry

Max: 2.14
Q3: 0.90
Median: 0.29
Q1: 0.00
Min: 0.00

CRCL’s Debt-to-Equity Ratio of 0.09 is typical for the Software industry, indicating its use of leverage is in line with the sector norm. This suggests a balanced approach to its capital structure.

AMP vs. CRCL: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Capital Markets and Software industry benchmarks.

Interest Coverage Ratio (TTM)

AMP

5.46

Capital Markets Industry

Max: 126.03
Q3: 60.98
Median: 11.77
Q1: 4.95
Min: -36.26

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Capital Markets industry.

CRCL

Software Industry

Max: 67.02
Q3: 19.86
Median: 0.70
Q1: -12.50
Min: -53.00

Interest Coverage Ratio data for CRCL is currently unavailable.

AMP vs. CRCL: A comparison of their Interest Coverage Ratio (TTM) against their respective Capital Markets and Software industry benchmarks.

Financial Strength at a Glance

Symbol	AMP	CRCL
Current Ratio (MRQ)	0.62	1.03
Quick Ratio (MRQ)	0.62	1.03
Debt-to-Equity Ratio (MRQ)	6.67	0.09
Interest Coverage Ratio (TTM)	5.46	--

Growth

Revenue Growth

AMP vs. CRCL: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

AMP vs. CRCL: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

AMP

1.22%

Capital Markets Industry

Max: 10.26%
Q3: 4.86%
Median: 2.78%
Q1: 1.22%
Min: 0.00%

AMP’s Dividend Yield of 1.22% is consistent with its peers in the Capital Markets industry, providing a dividend return that is standard for its sector.

CRCL

0.00%

Software Industry

Max: 0.08%
Q3: 0.03%
Median: 0.00%
Q1: 0.00%
Min: 0.00%

CRCL currently does not pay a dividend, resulting in a yield of 0%. This is a common strategy for growth-focused companies that prioritize reinvesting earnings, though it may be less typical in mature, income-oriented sectors.

AMP vs. CRCL: A comparison of their Dividend Yield (TTM) against their respective Capital Markets and Software industry benchmarks.

Dividend Payout Ratio (TTM)

AMP

18.14%

Capital Markets Industry

Max: 200.72%
Q3: 101.92%
Median: 57.97%
Q1: 32.36%
Min: 0.00%

AMP’s Dividend Payout Ratio of 18.14% is in the lower quartile for the Capital Markets industry. This suggests a conservative dividend policy, with a strategic focus on reinvesting profits for future growth.

CRCL

0.00%

Software Industry

Max: 1.32%
Q3: 0.53%
Median: 0.00%
Q1: 0.00%
Min: 0.00%

CRCL has a Dividend Payout Ratio of 0%, indicating it does not currently pay a dividend. This is a common strategy for growth-oriented companies that reinvest all profits back into the business.

AMP vs. CRCL: A comparison of their Dividend Payout Ratio (TTM) against their respective Capital Markets and Software industry benchmarks.

Dividend at a Glance

Symbol	AMP	CRCL
Dividend Yield (TTM)	1.22%	0.00%
Dividend Payout Ratio (TTM)	18.14%	0.00%

Valuation

Price-to-Earnings Ratio (TTM)

AMP

14.81

Capital Markets Industry

Max: 58.89
Q3: 31.00
Median: 18.54
Q1: 12.09
Min: 5.24

AMP’s P/E Ratio of 14.81 is within the middle range for the Capital Markets industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

CRCL

Software Industry

Max: 149.35
Q3: 100.21
Median: 47.97
Q1: 26.77
Min: 11.68

P/E Ratio data for CRCL is currently unavailable.

AMP vs. CRCL: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Capital Markets and Software industry benchmarks.

Price-to-Sales Ratio (TTM)

AMP

2.63

Capital Markets Industry

Max: 14.49
Q3: 7.41
Median: 4.68
Q1: 2.25
Min: 0.04

AMP’s P/S Ratio of 2.63 aligns with the market consensus for the Capital Markets industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.

CRCL

10.95

Software Industry

Max: 25.24
Q3: 13.52
Median: 8.15
Q1: 4.87
Min: 0.98

CRCL’s P/S Ratio of 10.95 aligns with the market consensus for the Software industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.

AMP vs. CRCL: A comparison of their Price-to-Sales Ratio (TTM) against their respective Capital Markets and Software industry benchmarks.

Price-to-Book Ratio (MRQ)

AMP

8.36

Capital Markets Industry

Max: 9.48
Q3: 4.94
Median: 2.42
Q1: 1.21
Min: 0.38

AMP’s P/B Ratio of 8.36 is in the upper tier for the Capital Markets industry. This indicates that investors are paying a premium relative to the company’s net assets, a valuation that hinges on its ability to generate superior profits.

CRCL

17.02

Software Industry

Max: 30.95
Q3: 14.91
Median: 7.75
Q1: 3.60
Min: 0.38

CRCL’s P/B Ratio of 17.02 is in the upper tier for the Software industry. This indicates that investors are paying a premium relative to the company’s net assets, a valuation that hinges on its ability to generate superior profits.

AMP vs. CRCL: A comparison of their Price-to-Book Ratio (MRQ) against their respective Capital Markets and Software industry benchmarks.

Valuation at a Glance

Symbol	AMP	CRCL
Price-to-Earnings Ratio (TTM)	14.81	--
Price-to-Sales Ratio (TTM)	2.63	10.95
Price-to-Book Ratio (MRQ)	8.36	17.02
Price-to-Free Cash Flow Ratio (TTM)	7.13	65.02